eBay EBAY

How much of eBay's U.S. consumer revenue is funded by new credit? Read the estimate, then inspect the evidence.

2026-Q1 · estimated DFR% of U.S. consumer revenue

1.54%

Midpoint with 80% bandTier 1–3Provenance

Low1.20%Midpoint1.54%High2.05%

Estimated 80% band · share of U.S. consumer revenue

View chart data and provenance

Text equivalent for the current estimated DFR% band for eBay.
Period	2026-Q1
Estimated 80% band	1.20% to 2.05% of U.S. consumer revenue
Estimated midpoint	1.54% of U.S. consumer revenue
Evidence	Tier 1–3
Provenance	Company evidence and assumptions

Estimated midpoint: $22 million debt-funded consumer revenue / $1,444 million estimated U.S. consumer revenue.

2026-Q1 · share of estimated debt-funded revenue

Tier 1 0.0%Tier 2 53.0%Tier 3 47.0%

View chart data and provenance

Text equivalent for the evidence-tier decomposition of estimated debt-funded revenue.
Component	Share	Meaning
Tier 1	0.0%	Observed company financing link
Tier 2	53.0%	Category-mapped allocation
Tier 3	47.0%	Fungible proportional allocation
Provenance	Company evidence and registered assumptions

Tier definitions

T1 — Observed: A company disclosure directly links financing to sales.
T2 — Category-mapped: Credit is mapped to spending categories, then to companies using registered weights.
T3 — Fungible: Credit that cannot be assigned directly is allocated broadly by estimated consumer revenue, with the widest uncertainty.

Tier percentages show how the estimate was constructed—not confidence scores. Full methodology

2026-Q1 · multiple of Tier 3 baseline

1.00x

Evidence LiftDefinition

DFR% midpoint divided by this company's 1.54% pure-fungibility baseline.

Baseline-only

No company-specific financing evidence found; estimate reflects proportional allocation.

History

2026-05-22 · 2026-Q1 refresh

Estimated 1.19%–2.02% of U.S. consumer revenue
Midpoint 1.52%

UPDATED_TTM_FROM_10Q · Versioned source record

2026-08-19 · 2026-Q2 refresh

Estimated 0.97%–1.65% of U.S. consumer revenue
Midpoint 1.24%

UPDATED_TTM_FROM_10Q · Versioned source record

2026-08-06 · 2026-Q1 methodology snapshot

Estimated 1.20%–2.05% of U.S. consumer revenue
Midpoint 1.54%

View chart data and provenance

Text equivalent for every versioned estimated DFR% band in the history chart.
Effective date	Record	Estimated low	Estimated midpoint	Estimated high	Status and provenance
2026-05-22	2026-Q1 refresh	1.19% of U.S. consumer revenue	1.52% of U.S. consumer revenue	2.02% of U.S. consumer revenue	UPDATED_TTM_FROM_10Q · Versioned source record
2026-08-19	2026-Q2 refresh	0.97% of U.S. consumer revenue	1.24% of U.S. consumer revenue	1.65% of U.S. consumer revenue	UPDATED_TTM_FROM_10Q · Versioned source record
2026-08-06	2026-Q1 methodology snapshot	1.20% of U.S. consumer revenue	1.54% of U.S. consumer revenue	2.05% of U.S. consumer revenue	VERSIONED_BASELINE · Versioned source record

Refresh records are append-only. A new filing adds a record; it never replaces the earlier band.

Input	Evidence	Tier
Financing-to-sales link	No company-specific observed financing line is registered. This estimate begins with category-mapped and fungible inputs.	Tier 1 0.0%
Revenue denominator	Pinned SEC XBRL filing; U.S. consumer share is registered as an assumption.	Tier 2

Top five assumptions by absolute correlation with the estimated band.